My work covers $10,000 of life insurance for each employee, and offers other insurance for people who are willing to pay for it. I looked into additional life insurance, but it was confusing and too expensive for me (as someone who doesn't have kids or own a house), so I went with an accidental death & dismemberment policy for $250,000 that costs like $2.20 a month.

If you have an account at a credit union, they usually insure members for some small amount, for free, and you can increase it if you want to.

Whether you quit riding/commuting or not, get insurance! If you quit commuting and then get mauled by a bear, and you still don't have life or AD&D insurance, it will be a waste in every way imaginable.

My aunt and uncle's house burned down, and 10 days later my uncle died in a car accident. His family was able to get a new house and feed themselves because they had insurance. I don't know what they would have done, otherwise.